Twin Falls, Idaho ( KMVT-TV / KSVT-TV ) Like anything in life, the idea of having insurance is always a good idea, whether it is life, auto or home insurance.
But what about farmers protecting their crops?
"It's not a matter of if... it's a matter of when," Dan Ward says.
Ward is a crop insurance specialist with Northwest Farm Services in Twin Falls.
He explains what exactly crop insurance is and what it can do for you and your farm.
"Crop insurance is basically the protection that is made available to the agricultural community so that they're not out there hanging on a limb with all of the liability that's out there. If you have a huge catastrophic loss, you're out of business," Ward says.
Crop insurance covers almost all natural disasters, such as too hot and too cold, too wet and too dry, along with losses from wild animals or earthquakes and floods.
"Of course the frost is a big thing here in this valley, as well as the wind. We have a lot of wind damage here... so it covers for these types of losses so that the farmer is not standing it all alone," Ward explains.
According to Ward, only about 60 percent of farmers in the region have one type of crop insurance or another.
And you might get by for a few years, without having a loss, but you never know what he next season will bring.
"You may not have a loss for 25 years... but if you have one, sometimes it can be catastrophic in just that one. Mother Nature just loves to throw us a curveball every time she can get a chance," Ward says.
Being covered if the worst happens.
Helping to maintain the agriculture community and economy in the process.
If you have any questions on what is covered if you do purchase crop insurance, or if you would like to learn more, Ward encourages anyone with questions to stop by their branch.
They are located at 815 North College Road in Twin Falls.